an example in many of these -- and why you is used as an example in many of the stork -- nyu is used as an example in many of these stories because it is a sought after school. you say you are uncomfortable with the parent plus program, but you rely on it like other schools. how has nyu been developing policies both from the admissions standpoint and to help students once they get there and end up in trouble? >> first, a little context. and there will answer your question. -- i will answer your question. i do not want to sound like the person who will push this under the rug and a student that is ok, -- it is okay -- student debt is ok, but context is important. the disparity is huge as you look across this issue. we talk about a 13% default rate. it varies from 1% at some institution to 40% at others. it is a broad set of issues. i still described as a crisis. what is our definition of a crisis? i am not going to answer that. i think the context of a crisis, and the dilemma is, how do we find the talented student -- and just so you know, i am a farm boy who has worked at four differ